Fresh Start Accounts
A Fresh Start Basic or Fresh Start Checking account is a great place to start your journey, offering all the conveniences of a checking account, yet designed with the appropriate safeguards in place to help promote sound financial management. An AmeriCU representative will connect you with the Fresh Start account level that is right for you!
Both Fresh Start Accounts feature:
- An AmeriCU Visa Debit Card
- Online & Mobile Banking
- ATM and AmeriCU ITM Access
- Overdraft Coverage (when connected to your Savings)
- Voice Banking over-the-phone
- Money Management tools
- and more!
We’ll also go over any of the safeguards you may experience as part of the Fresh Start process, such as:
- Low monthly maintenance fees,
- Debit card transaction limits,
- ATM withdrawal limits,
- Restricted access to specific eServices,
- No Courtesy Pay coverage.
Once you’ve established healthy financial habits over the course of one calendar year and haven’t experienced any insufficient funds or fees for any returned transactions, you’re eligible to graduate to the next level of AmeriCU’s official Checking Accounts!
Interested in learning more? Click ‘Let’s Connect’ in the bottom right-hand corner to get a Fresh Start with an AmeriCU representative now. Or, visit any AmeriCU location to get started*.
AmeriCONNECT Visa® Secured Credit Card
- Credit lines from $500-$5,000 (the credit limit equals the balance in your Secured Share)
- Features a non-variable 15.90% APR on purchases**
- Great for beginning or rebuilding credit.
- View AmeriCONNECT Visa Application & Solicitation Disclosure
- View AmeriCONNECT Visa Agreement
Financial Counseling
Available online and in-person, connect one-on-one with our certified credit union financial counselors can provide you with personalized guidance. We can help you:
- Review your credit report;
- Learn ways to budget;
- Navigate financial hardships;
- Set long-term goals;
You may also be interested in
Savings Accounts
Featuring a variety of savings solutions for a safe and secure place to save more of what you earn.
Wellness & Education
We offer online courses on a variety of topics. Or, join us in-person for free financial presentations.
Financial Calculators
These tools can help you determine your financial behavior and help you find opportunities for improvement.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Credit Union Donates $5,000 to 24 Animal Shelters Across New York
AmeriCU Credit Union is supporting animal welfare organizations across the communities it serves through a $5,000 donation benefiting 24 local animal shelters. Through this initiative, AmeriCU is supporting the dedicated organizations working every day to ensure pets receive the care they need while they wait to find their forever homes.
Education
Teaching Kids to Budget
Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.
*Fees and restrictions apply. For more information and eligibility requirements, visit your local Financial Center today.
**Rates are determined by creditworthiness and other factors at time of application. The Annual Percentage Rate (APR) for purchases and balance transfers is 15.90%. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.